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August -The NSD Challenge
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No Spends on Monday and Tuesday.
Haven't actually left the house since Saturday? sad bt cheap!!!Nevertheless she persisted.0 -
NSD no 3 for me even though my manager was a complete CXXX and left me in tears:mad: , I didn't spend a penny just came home and opened a bottle of wine that's been in the fridge for ages...resolved to have a strong word with him tomorrow:eek: when I'm not feeling so fragile.
Anyway enough about my day...hope everyone has had a better one than me and if not...It can only get better:beer:Busy mum of 3, so if my posts don't make sense or ask a silly question be patient:rotfl:0 -
Didn't manage to get my 2nd NSD of the month today - went on a training course where no coffee was provided... so had to buy my own in the canteen! Wouldn't have been able to cope otherwise! So I bought some car juice on the way home too - using a 5p off voucher
Hoping for NSD number 2 tomorrow though!Mortgage-Free Wannabe!
Mortgage at start (August 2009): £87,000
Current Mortgage: £85259
Mortgage-Free date: August 20340 -
Yay i had an NSD today. 1 down 11 to go. hopefully tomoro should be another NSD, there's nothing i need but i need to go into town first thing to pay a bill so i must control myself and not give in to home bargains:rolleyes:£387.39/£196.46
Pay my debt by End of Feb 2022
49.28% paid!
£199.55/£500 savings by End of April 2022
39.91% saved!
Make £2022 in 2022 - £200 -
MYLITTLESISTERLOLA wrote: »my manager was a complete CXXX and left me in tears:mad:0
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I managed a second NSD today, was clever and left my purse and credit cards at home and even made money as I found a 20p by the door on the way into work
I'm so pleased I joined this challenge, it's really made me think about how I fritter away cash. Am going to try for day 3 (of my target of 5) tomorrow. I must be strong!0 -
Still not managed a NSD, was craving something sweet on the way home from work tonight and bought a bag of maltesers. I will have at least 2 NSD's this week if its the last thing I do!!Only 2 Months to go until I'm Debt free!£2 savers club ~ have lost count!!Loose change challenge ~ £129 banked 20/10/08 don't know what is in the jar!Proud to be dealing with my Debt0
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Not managed any NSDs yet! Had a wedding, birthdays, anniversay to buy for this month already. Did fund wedding present with car boot sale money :j - but unfortunately still had to buy drinks.
Did give OH a car themed basket (but he worked out which items had been "recycled" from around the house - although as yet unopened):rotfl: , also gave OH a framed cut out calendar picture using a frame I already had (OH liked that) but gave in and bought him his desired phone although gifts from MIL and M&D were put towards that bring cost down... DS won a present at a raffle and gave him that!:T
Have now got £10 voucher for Amazon from reviews but desperate to spend it - says recovering shopaholic! I think I may give it as one of the birthday gifts as not given one to other person yet!:D
May be able to have an NSD tomorrow!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
Managed an NSD yesterday. I didn't DARE go into Boots for the prescription in the end. I was feeling weak and knew that I wouldn't leave unscathed. Will get it today instead when I know I've got to spend money posting some books I've sold. Although, I don't know whether to count the P&P as spending because it just comes out of the money someone's paid for the book so effectively THEY are paying for P&P. Does that make sense? What are other people doing, do you count P&P on a sold item as a spend? ThanksO/draft 1Abbey:£1000 Student Loan [STRIKE]£10,825[/STRIKE] £9030 Personal Loan: [STRIKE]£4900[/STRIKE]£4809 Apple Finance: £1000
House Deposit Fund:[STRIKE]£13,830[/STRIKE][STRIKE]£14, 120[/STRIKE]£14500/£16,000
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I'm going in..........for NSD 3 today!! Have made my lunch and prepared dinner last night so just need reheating and veggies adding to it, but am feeling the urge to spend, DD and I 'need' some fruit and veg (not really we have plenty in the freezer/tinned fruit) and can always think of goodies (aka rubbish) to buy. Think I have an addiction - well, I'm determined that I can and will beat it!
I'm also using the NSDs as a boost to my desire/need to lose weight. By taking food in and not having any money in my handbag to buy more, I can't go and buy extra carp at lunchtime. I have a LOT to lose........
We're going on holiday on Saturday down to Devon and so I know there won't be any NSDs there so trying to get 1 or 2 NSDs under my belt before we go.0
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